Short-Term Rental Insurance for Airbnb & VRBO Hosts
Your homeowners policy voids coverage for paid guests. Four fields, one business day, one real STR quote.
Most homeowners policies actively exclude commercial / paid-guest activity. Airbnb AirCover is secondary coverage - it doesn't replace a primary policy.
The coverage gap nobody tells new hosts about
Standard homeowners and landlord policies contain exclusions for "commercial use" and "transient occupancy." One paid guest is enough to trigger denial.
Real-world exposures hosts report:
- Guest slip-and-fall / hospital bill: $25k-$150k
- Kitchen fire started by a guest: $50k-$300k+
- Hot-tub drowning liability: $500k+
- Returned-as-claim property damage that the primary carrier rejects
Airbnb's $1M AirCover is explicitly secondary. It requires a valid primary policy first.
What a real STR policy includes
- Commercial general liability ($1M-$2M)
- Building + contents replacement at STR occupancy levels
- Loss of business income
- Bed-bug, squatter, guest-caused damage
- Accepted as primary under Airbnb / VRBO host agreements
Trust
- Proper is a short-term-rental specialty carrier, not a generic landlord line.
- Quote with no obligation. Walk away free.
- This page is operated by an affiliate - I earn a referral fee when you request a quote. Carriers price based on address and risk, not referral.
FAQ
I only rent 10 nights a year - do I need this?
Most homeowners policies exclude any paid guest activity. One weekend is enough for denial.
My city is cracking down on STR permits - does insurance help?
Most cities that issue STR permits now require proof of commercial STR insurance. A permit pull can uncover a coverage gap.
Airbnb AirCover covers me, right?
AirCover is secondary. It only kicks in after your primary policy denies or exhausts. Without a real primary STR policy, claims stall.
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